Complaints

This profile includes complaints for Discover Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Discover Financial Services

  2500 Lake Cook Rd Riverwoods, IL 60015

  
• 

  Discover Card

  P.O. Box 15874 Wilmington, DE 19886

• 

  Discover Card

  502 E Market St Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15155 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15158 Wilmington, DE 19886

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/22/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Jul 4-6 2022 I opened a secure credit card with Discover to help build my credit, and was approved on the application. The very next day I contacted the chat and Indicated I made a mistake on the address. I accidentally put the wrong street number, same numbers just incorrect order, the street name, city and zip code was all correct. I was advised wait until the application was approved and the deposit was received and the change of address issue will be simple. On July 6 2022 $200 was pulled from my bank for a secured deposit. I then again proceeded to call and told them If I cannot change the address on the form my neighbors down the road to my address then I would want back my money. They indicated that refunds are only given by check and that check would be sent to the address on the application. I further got upset because 1. I am not getting the service, 2. my money was taken, 3. I could not get a refund as they told me the money that came out of my bank can only be sent to an incorrect address. As a result of Discover to help me and after talking to supervisors I had to contact my bank. I told the bank discover refuses to provide a service for me and i cannot get my money back. This was unfair and I would like my money back. The money was pulled on July 14 2022 I received back my money. In all this process I gave up on discover and was trying to gain another credit card a secured one to build my credit. and because of the fact that discover failed to help me change my account, refunded to give me a refund that would actually go to me and had me applying for their credit card multiple times as the indicated I have the go head has lead to multiple credit card attempts on my report, 2. a closed account on my account even though I have never got a chance to use it. I approached discover to try and build my credit and my experience with them has led to me being worst off and now unable to get any credit card no time soon from any other company.

  

  Business Response

  Date: 08/24/2022

  Attached

  Customer Answer

  Date: 08/26/2022

   
  Complaint: 17751296
  
  

  I am rejecting this response because:

  
  

  I will not close any of these cases until the issue is resolved, It does not matter if the issue is open with two agencies. Once the issue is solved I will close my cases, Thank You.
  

  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 09/06/2022

  Attached

• Initial Complaint

  Date:08/22/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not sure if discover bank is an actual bank. I was sent a letter from them stating I needed to deposit money or they close account stated it was open online when I stayed I didn't have an account. I want to make sure it's ligit before giving private information they sent me forms for fraud please help

• Initial Complaint

  Date:08/22/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  With no previous communications, Discover cancelled my credit line completely. I had worked EXTREMELY hard to fix my credit over the years, and this was one of my longest tenured credit accounts. I had a $10,000 limit with a $0 balance. Within the past year, I communicated multiple times to be sent a new credit card, since the old one had expired. They never sent me a new card. Instead, they cancelled my account altogether! This had a MAJOR negative impact on my overall credit score, drastically impacting my overall utilization. The fact that this was done with NO communication, despite how hard I had been working on improving my credit for so many years, is beyond frustrating. It should be illegal for credit card providers to do things like this, as consumers are POWERLESS to have any type of say, or influence, over the matter. Meanwhile, my credit is taking a HUGE hit, dropping many points, which will have a major influence over future approvals, interest rates, etc.

  

  Business Response

  Date: 08/30/2022

  Please see attached

  Customer Answer

  Date: 09/06/2022

   
  Complaint: 17750409
  
  Telling me their decision is simply final does not satisfy my concern.  Therefore I will be boycotting Discover, and encouraging my friends and family to do the same, going forward.  Disappointed to see such a supposedly professional organization act so reprehensible.

  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 09/19/2022

  Please see attached

• Initial Complaint

  Date:08/22/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Bank keeps verifying incorrect information on my credit reports. The details are incorrect and I have NEVER lived in the *****************. Once I submitted disputes with the credit reporting agencies, they updated my incorrect information to include my actual address to match their incorrect trade line.It is my right to have correct information on my credit reports. This must be deleted from all reports at once.

  

  Business Response

  Date: 09/14/2022

  please see attachments

• Initial Complaint

  Date:08/21/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have opened *** account with Discover Bank on line. They sent me application package by mail. It was not clear which forms I have to fill in, I called the bank and was provided assistance. While on the phone with *** agent I asked her how I submit my funds after the *** account would be opened. She said either by check of we would call you to get your banking information over the phone. Nobody called me. On August 15, 2022 I went to my checking account with ***** Fargo to find out that my account, where only SSI check is deposited for $2963.00, Discover bank drawn my checking account for $7000.00 that put me in overdraft. I immediately contacted the Discover Bank, connected to *** supervisor by name *** and explained her all situation and asked to immediate assistance. She assured me than this problem will be her first priority and the money will be returned to ***** Fargo in two business days, It was a deception because no money has been returned to ***** Fargo in two business days. I have placed several calls to Discover Bank after that, no truth is coming out from their agent when the money will be returned to ***** Fargo.

  

  Business Response

  Date: 08/29/2022

  Please see attached.

• Initial Complaint

  Date:08/21/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I closed my Discover Secure Credit Card on on June 1st and was told to wait 2 billing cycles plus 2 weeks to receive my $500 deposit I placed when opening the card. I waited and received no check so I contacted a chat agent on the Discover website who originally told me that a check was sent and then walked back and apologized and said he was incorrect and that I picked the option to have it wired to my bank account and the wire wasn't sent. He then told me to wait 10 calendar days to have the $500 wired. I waited 10 days and still didn't receive the money. I would like my $500 wired to me ASAP. I have attached some screenshots from the chat agents.

  

  Business Response

  Date: 09/01/2022

  Please see attached

• Initial Complaint

  Date:08/20/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Actually, my issue is not a complaint but a request, to be able to get Discover Financial to allow me to work with them to pay off an all debt for a Discover Credit Card. A long story short, after IHSS Gubernatorial Tort, my finances collapsed, after two months of our payments not paid, unlawfully, just because I moved here to my *******, ** purchased house, at the time my credit score was 781! And with such incident all my creditors shut me down, after being a loyal customer for many years. I then paid 4 companies so called credit score fixer uppers and consolidating my finances, NOT! They just took my money but didn't do much. I then last week decided to work with my creditors directly on my own. I just dealt with one bank yesterday and they accepted me on a 12-month payment plan. But now I'm trying to see if Discover will work with me. I'm unable to contact them via website or email or phone call. Understandably, if Discover refuses to deal with me. But I can assure you that I would like to pay Discover in full. I can pay $186 a month for 12 months and will be paid in full. But I would be so grateful if Discover grants me the opportunity to work with me and pay Discover off, fully. I'm so sorry for what has happened, but I can assure you that I'm a victim and not a risk. It has been quite humbling and embarrassing to find myself in a situation I'm in. I would beg Discover if necessary so I can pay Discover off. I don't want to negotiate a partial settlement but a full pay off, in 12 months, please! I would be so grateful for Discover to allow me to pay my balance fully. Thank you so much for your help!

  

  Business Response

  Date: 09/21/2022

  Please see attached.

• Initial Complaint

  Date:08/20/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Discover Bank closed and froze both my checking and savings accounts on Wednesday 8/17 stating it was a business decision and are refusing to send my money back to me for 60 days. They also held up my paycheck that was supposed to be deposited on 8/19. This has financially wiped me out with the exception of about $200 I had left in my previous bank account (had just started the process of moving my accounts over about 3 weeks ago). They wont allow me access to my bank statements either so not able to provide proof of current balances, but have included screen shots of my regions Bank transactions showing 2 transfers to discover bank. Also attaching copy of check that was deposited in my Discover account via mobile deposit.In reading Discovers social media page, this is a common practice for this bank.The bank address listed on emails from Discover shows they are in **** but I couldnt find a **** address in the search function on this site.

  

  Business Response

  Date: 09/19/2022

  Please see attached response.

  Customer Answer

  Date: 09/20/2022

   
  Complaint: 17745689
  
  I am rejecting this response because:
  Im assuming that Im being accused of fraudulent activity and not being given the same rights as an other accused person and that is innocent until proven guilty. Ive never done an illegal thing in my life and am extremely mortified that my character is being called into question. Also the contact person listed on letter from Discover is not available as indicated (voicemail is full and no one is responding to messages left on the group voicemail box.
  Sincerely,
  
  *********************

  

  Business Response

  Date: 10/03/2022

   

    Please see attached response.

• Initial Complaint

  Date:08/19/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Under penalty of *******, I swear all information herein are true. I'm only a natural person writing this statement. as per FTC guidelines reporting these accounts in my consumer credit report is a collection activity. Accounts included in Bankruptcy shouldn't be on my credit consumer report. This is also a serious breach of my privacy rights Your companys continued reporting of these derogatory items will be considered willful non-compliance due to the previous notifications and your continued disregard of the law. I'm working hard on trying to clean up my credit. This is hurting my chances on improving my living situation.

  

  Business Response

  Date: 09/12/2022

  Please see attached 

  Customer Answer

  Date: 09/13/2022

   
  Complaint: 17745238
  
  I understand your response however  I am rejecting this response because: This account still needs to be deleted from my consumer credit report immediately under the Federal Laws for it violates the following:

  
  

  1. 15 USC 1681(a)(4) Infringed Upon a Consumers right to privacy and Under the ***** I never gave you consent to have my non-public personal information reported. Credit ****************** are 3rd party non affiliate. - Provide me signed documents that you have explained to me that i have the option to OPT OUT reporting of this account in my consumer credit file.

  
  

  2. This account should not be reported in my consumer credit file. Accounts included in Bankruptcy shouldn't be on my credit consumer report. This is a serious breach of my privacy rights.

  
  

  3. Cease and desist also means under 15 U.S. Code ****c (c) - Communication in connection with debt collection, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further "communication" with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,

  
  

  This is not just limited to the traditional method of communication - "phone calls" "Communication in connection with debt collection", also includes - reporting this account in my consumer credit report which is a written communication.

  
  

  Cease and desist, delete this accounts immediately.

  
  Sincerely,
  
  **********************************

  

  Business Response

  Date: 09/19/2022

  Please see attached

• Initial Complaint

  Date:08/19/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Stayed at ************************* and was charged $209 for parking, room fees, and a movie rental. I was never advised as to possible fees, never parked with the hotel, and never advised the cahrge was being made. Filed a dispute with Discover Card and stated they could not reverse the fees besause they have a relationship with the hotel and since I stayed with them I was responsible for the charges even if I never incurred them.

  

  Business Response

  Date: 08/31/2022

  Please see attached.